Protect Your Personal Property
If your apartment is robbed or the apartment above you has a fire, and the water used to extinguish it floods your apartment, your landlord's policy likely won't pay to replace any of your stuff. That's up to you.
You have a lot of money invested in your personal property — and it's worth protecting. And remember, as a renter, you could experience a loss due to something you have no control over.
Also, keep in mind your need for liability insurance. Say your friend's clumsy cousin trips on your sneakers, falls down the stairs and hurts his back. Like it or not, he could sue you for that. Whether or not he wins, fighting that suit could be an expensive nightmare.
Renters Policy
A Renters Policy will protect your personal property the same way it would if you owned a home. Ask your agent about what level of coverage is right for you.
Your Renters Insurance Policy Will Include:
Coverage Choices:
- Replacement Coverage – Allows you to receive the full purchase price of lost items
- High Value Item Coverage – Extends protection beyond your basic policy limits
Insurance Discounts & Savings:
- Multi-Line (Home + Auto) – Save up to 15% depending on the type of home and the state in which you live.
- Protective Devices – Save up to 15% depending on the combination of installed protective devices.
- 55 or older and retired – Save 10-25% depending on the type of home.
Also Consider Purchasing Flood Insurance
Since a Renters Insurance Policy doesn't cover floods, ask your agent if people in your community are eligible for a National Flood Insurance Policy.
Please see the disclaimers below.
The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.
Excess Flood Insurance coverage may currently be available but only in the following states: Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverages are available in your area.